(like a Chinese) by raising kids with this idea for your retirement which convert kids’ income spent on their unnecessary materialistic wants into an annuity/monthly allowance to you in exchange for giving them the deed of your house at the end of 40 years. In 40 years, your kids would be wiser to manage the assets you leave to them compared to giving their money away to banks and businesses owned by upper class people who brainwash you with media and culture in order to lock you in a mortgage contract where you slave the rest of your life to repay that debt.